Facility Size
Typical requirements from £15 million to £200 million+, subject to asset type, transaction quality and lender appetite.
Large-Ticket Secured Debt
Institutional-scale funding backed by identifiable assets.
Through established family-office and specialist private-credit relationships, Carter Family Office can facilitate access to secured debt for qualifying borrowers, asset owners, investors and corporate sponsors seeking substantial asset-backed facilities.
The focus is on transactions supported by identifiable and enforceable collateral, a clear commercial rationale and a credible repayment or exit strategy. This is a selective, relationship-led mandate rather than a general funding application service.
Indicative terms do not constitute a commitment to lend. Transactions remain subject to lender appetite, satisfactory underwriting, KYC/AML and sanctions checks, due diligence, legal documentation, collateral control and final credit approval. Carter Family Office acts in an introductory capacity where appropriate. Please see our Legal Notice & Privacy Policy.
Mandate Overview
£15 million to £200 million+.
Tenor
Typically 6–36 months, with longer tenors potentially considered for infrastructure, aviation and specialist transport transactions.
Security
Facilities are generally expected to benefit from a first-ranking charge, mortgage or equivalent collateral control, with other enforceable structures used where appropriate.
Jurisdictions
Selected transactions may be considered across the UK, Central Europe, USA, Middle East and Asia, subject to legal enforceability and lender appetite.
Collateral Scope
Asset-backed finance across selected real and financial assets.
Real Estate
Short-term secured debt against suitable real estate with clear title, enforceable security, realistic collateral value and a defined exit. Potential uses include acquisition bridges, refinancing and value-enhancement situations.
Development finance is not within this mandate.
Aviation & Transport
Short and longer-term debt may be considered against aircraft, engines, specialist transport assets and suitable operating or leasing platforms, subject to valuation, ownership, maintenance history and exit strategy.
Shipping & Marine
Commercial vessels, fleet-level facilities and appropriate maritime structures may be considered, including review of ownership, classification, existing mortgages or liens, operating profile, valuation and charter arrangements.
Listed Securities
Liquidity facilities may be considered against suitable exchange-traded securities where holdings can be verified and appropriate custody, pledge and collateral-control arrangements can be established.
Alternative & Specialist Assets
Selected short-term facilities may also be considered against verifiable, insurable hard assets such as precious metals, fine art, specialist collections and other assets with appropriate secondary-market depth and controlled storage.
Infrastructure & Industrial Assets
Suitable operational infrastructure, energy-generation assets, specialist industrial acquisitions and transport platforms may be considered where ownership, revenue framework, collateral control and commercial rationale can be clearly established.
Credit Approach
Security, control and a credible exit come first.
The underlying credit approach is built around capital preservation and enforceability rather than headline valuation alone.
A suitable transaction should ordinarily demonstrate clear legal ownership and title, verifiable collateral control, a transparent capital stack, full disclosure of existing encumbrances and a defined route to repayment, refinancing, disposal or another credible exit.
Advance levels are assessed against realisable collateral value, not simply open-market valuation.
“The strongest transactions are those where ownership, security, leverage and exit can all be understood clearly at the outset.”
Transaction Process
From screening to drawdown.
1. Screening & Alignment
Initial review of the borrower, facility requirement, asset, collateral, jurisdiction, use of proceeds and proposed exit.
2. Indicative Terms
Where the transaction aligns with mandate, the relevant funding relationship can progress to indicative commercial terms.
3. Underwriting & Diligence
KYC/AML, credit assessment, valuation, ownership, encumbrance, legal and asset-specific due diligence are completed as required.
4. Documentation & Drawdown
Following approval, legal documents and collateral-control arrangements are completed before settlement and drawdown.
Listed Securities
Controlled custody and settlement.
Securities-backed facilities require particular attention to custody, encumbrance status, pledgeability and settlement mechanics.
Feasibility Screening
Initial information normally includes issuer, ticker, exchange and ISIN; evidence of the holding; custodian details; account type and jurisdiction; existing margin, lending, repo, pledge or other liens; trading restrictions; liquidity; requested facility; purpose and exit strategy.
Holding evidence, clear encumbrance status and confirmation that the custodian can support the required pledge or control arrangement are particularly important.
Execution Path
The process can include mandate or appointment, indicative terms, KYC/AML, lender introduction, credit and structuring, final approval, securities financing documentation, legal review, custodian and brokerage onboarding, dematerialisation where required, transfer to controlled custody, final settlement checks and drawdown.
Collateral delivery and release of funds can be coordinated through the custodian on a controlled settlement basis so that transfer of securities and funding occur together.
Mandate Boundaries
What this mandate does not cover.
No Development Finance
This particular high-value secured-debt mandate does not cover property development finance. Separate property-funding pathways may be available elsewhere within our network.
No Equity Under This Mandate
The mandate is focused on secured, asset-backed debt rather than equity investment or unsecured/speculative lending.
Initial Assessment
Discuss a high-value funding requirement.
For transactions from £15 million upwards, please contact Carter Family Office with a concise overview of the proposed facility, borrower or beneficial owner, asset or collateral, jurisdiction, current valuation, existing debt or encumbrances, required timing, use of proceeds and intended repayment or exit strategy.
Where the initial information demonstrates alignment, more detailed asset-specific information can then be requested before introduction to the relevant funding relationship.